Florida Auto Insurance Coverage Calculator (PIP, PD, BI, UM/UIM)

How this calculator works

Florida is a no-fault auto-insurance state. Every Florida-registered private-passenger vehicle is required by statute to carry Personal Injury Protection (PIP) under F.S. § 627.736 and Property Damage Liability (PD) under F.S. § 627.7275. The statutory minimum stack is PIP $10,000 plus PD $10,000 — a total of $20,000 of coverage. That is the entire floor a Florida driver is legally required to carry. Bodily Injury Liability (BI) is not required by state mandate for ordinary drivers, which makes Florida one of only two states in the country without a BI floor as of 2026. Uninsured / Underinsured Motorist coverage (UM/UIM) under F.S. § 627.727 must be offered in writing at limits equal to BI; it can be rejected only in a signed writing, and it stacks across vehicles on the policy unless stacking is separately rejected.

The calculator estimates the annual premium for the coverage stack you describe — PIP, PD, BI at the selected limit, UM at the selected limit, and optional collision and comprehensive. It also computes three reference premiums for context: the statutory-minimum-only premium (PIP plus PD, nothing else), the agent-recommended premium with BI at 100/300, and the agent-recommended-plus-UM premium with stacked UM at 100/300 added. The compliance verdict reads against the BI limit selected — Adequate if BI is at or above 100/300, Below recommended if BI is between the financial-responsibility floor and 100/300, Statutory minimum only if no BI is carried.

Regional baseline rates anchor to typical 2026 Florida admitted-carrier rate filings under OIR Rule 69O-170. Miami-Dade and Broward carry the highest baselines in the state due to litigation frequency, dense traffic, and the highest uninsured-motorist incidence. Tampa and Orlando are mid-range. Jacksonville is below average. North Florida and the Panhandle carry the lowest baselines. The age-band, driving-record, coverage-gap, and vehicle-age adjustments stack multiplicatively on the regional baseline the same way Florida admitted rate filings apply them.

The 2024 HB 1573 PIP repeal — what it would have done

The Florida legislature has periodically reconsidered the no-fault framework. The most recent attempt was HB 1573 in the 2024 session, which would have repealed the PIP statute under F.S. § 627.736 and replaced it with a mandatory Bodily Injury Liability minimum of 25/50, rising to 50/100 over a phase-in period, plus a Medical Payments coverage requirement. HB 1573 passed both the Florida House and Senate. The Governor vetoed it, citing concerns that the BI floor was set too low to meaningfully protect Florida drivers in a serious crash and that the transition would shift medical-cost exposure onto Florida hospitals and emergency rooms during the changeover. The veto preserved the PIP regime; the legislature has not since reintroduced a comparable bill. As of 2026, Florida remains a no-fault state, BI remains statutorily voluntary for ordinary drivers, and PIP $10,000 plus PD $10,000 remains the statutory minimum stack.

If HB 1573 had become law, the calculator output would look materially different. The statutory-minimum premium would have risen from the current $400 to $900 range up to roughly $700 to $1,300 — the BI floor alone adds 30 to 40 percent to a PIP-and-PD baseline. The compliance verdict would have flipped — drivers carrying BI below 50/100 would have been Non-compliant rather than Below recommended. The tort threshold under F.S. § 627.737(2) would have been replaced with at-fault litigation for any third-party bodily-injury claim. Because the veto held, this entire transition stayed on the drawing board.

A worked example — 35-year-old clean record, Tampa, Honda Accord

Take a 35-year-old driver with a clean record and no coverage gap, insuring a 6-year-old Honda Accord valued at $22,000, living in Tampa.

Scenario A — statutory minimum only. PIP $10,000 plus PD $10,000, no BI, no UM, no collision, no comprehensive. The calculator returns an estimated annual premium in the $650 to $750 range. The compliance verdict reads Statutory minimum only. PIP covers this driver's own medical and lost-wage exposure up to $10,000; PD covers damage to the other party's vehicle up to $10,000. Any at-fault third-party bodily-injury claim above the F.S. § 627.737(2) tort threshold lands directly on the driver's personal assets — there is no BI policy to absorb the loss. Many Florida drivers carry this stack for legal compliance and personal cash savings, but the asymmetric loss profile is severe: one serious at-fault crash above the tort threshold can produce a six-figure judgment that wipes out a decade of premium savings.

Scenario B — recommended with BI 100/300 plus stacked UM 100/300. Same driver, same vehicle, but with BI at 100/300 and UM at 100/300 stacked. The calculator returns an estimated annual premium in the $1,200 to $1,300 range. The compliance verdict reads Adequate. BI at 100/300 means the policy will pay up to $100,000 per person and $300,000 per accident in third-party bodily-injury exposure when the F.S. § 627.737(2) threshold is met. UM at 100/300 stacked means the same limits apply to recover from an at-fault uninsured or underinsured driver — and with Florida's roughly 20 percent uninsured-motorist rate, this is the coverage that pays when the other party has no policy. The marginal cost over the statutory minimum is roughly $550 per year, or about $1.50 per day — which is the rough price of moving from legal compliance to actual financial protection.

Scenario C — full coverage with collision and comprehensive. Same driver, same coverage stack as Scenario B, plus collision and comprehensive on the $22,000 vehicle. The calculator returns an estimated annual premium in the $1,800 to $2,100 range. The marginal cost over Scenario B is roughly $600 to $800 per year — call it $700 — which is the price of buying physical-damage protection on a $22,000 vehicle. The break-even calculus: if the vehicle's market value drops below roughly 10 times the annual physical-damage premium (around $7,000 on this profile), the keep-it economics flip and dropping collision becomes the rational choice. Comprehensive is a closer call in Florida because hurricane and flood exposure produce asymmetric loss potential.

The structural lesson: going from statutory minimum to fully recommended coverage costs this driver about $550 per year. Adding collision and comprehensive costs another $700 to $800 per year. The annual savings of staying at statutory minimum versus full coverage is around $1,300 to $1,400 — meaningful, but small relative to the asymmetric exposure a Florida driver carries when an at-fault crash crosses the tort threshold.

When the tort threshold matters

The F.S. § 627.737(2) tort threshold is the structural pivot in Florida auto liability. Below the threshold, every injury claim stays inside the no-fault PIP system: your own PIP policy pays your medical and lost-wage exposure up to $10,000 regardless of fault, and the at-fault party's BI policy is not touched. Above the threshold, the claim becomes a third-party liability suit, and the at-fault party's BI coverage (or personal assets, if BI is not carried) is what stands between the lawsuit and the at-fault party's net worth. The four threshold tests under F.S. § 627.737(2) are: significant and permanent loss of an important bodily function; permanent injury within a reasonable degree of medical probability; significant and permanent scarring or disfigurement; or death. Florida case law has produced a substantial body of opinion on how courts interpret each test, but the practical effect for a Florida driver is straightforward — most ordinary fender-bender injuries stay inside PIP, while most serious injuries cross the threshold and become third-party liability claims.

This is why carrying adequate BI matters even though Florida does not statutorily require it. The statutory minimum stack does not anticipate the threshold case. When the threshold is met, your BI and UM limits are what protect your personal assets.

What the calculator does not do

This calculator is a planning estimator. It does not:

• Produce a binding quote. Florida admitted-carrier rates are produced by carrier-specific rate filings approved under OIR Rule 69O-170. The calculator models the typical filing in each region; your actual quote can come in higher or lower depending on the specific carrier, your credit-based insurance score (where used), your prior carrier, and a dozen other underwriting factors.
• Capture every discount. Florida carriers offer multi-policy discounts (typically 10 to 25 percent), good-student discounts, defensive-driving discounts, telematics-based usage-discount programs, and vehicle-safety-equipment credits. The calculator models a clean baseline; ask your 2-20 agent which discounts apply to your specific profile.
• Replace agent advice for DUI or FR-44 cases. Drivers subject to F.S. § 324.022 financial-responsibility filings face a different rating path and a narrower carrier menu. The calculator returns a model output for these profiles but the policy itself requires a Florida-licensed 2-20 agent to broker.
• Project beyond a one-year horizon. Florida auto rates have risen materially in 2022 through 2026 due to litigation-cost inflation, the post-Hurricane Ian reinsurance market, and the legislature's 2022 tort-reform changes. Year-over-year increases of 10 to 20 percent have been typical. This calculator estimates a year-one premium; multi-year projections require a separate trajectory model.

How this page is maintained

F.S. § 627.736, § 627.7275, § 627.737, and § 627.727 have been substantially stable since the 2022 tort-reform session (SB 2-A), with the 2024 HB 1573 repeal attempt vetoed. The substantive structural features — the PIP regime, the no-BI-mandate posture for ordinary drivers, the tort threshold, and the UM-must-be-offered rule — have remained stable through 2026. The dollar values of the regional baselines and the coverage-tier multipliers move with each admitted-carrier rate filing under OIR Rule 69O-170; we refresh the rate table at least annually against the Florida OIR Personal Auto Insurance Market Report. If the legislature substantively changes any of the four anchor statutes, this page is updated and re-stamped within the quarter.

Last reviewed: 2026-05-15 against F.S. § 627.736, F.S. § 627.7275, F.S. § 627.737, F.S. § 627.727, F.S. § 324.022, HB 1573 (2024 vetoed), OIR Rule 69O-170, and the Florida OIR Personal Auto Insurance Market Report 2024-2026.